If you run a small business or work for yourself, you may be preparing for Affordable Care Act (ACA) marketplace open enrollment this fall. Business owners and the self-employed account for roughly 28% of working-age marketplace enrollment .

Most people in this position are also their own benefits department. There is no HR team to walk through the options during open enrollment, and no enrollment specialist to follow up with.

That's worth keeping in mind this year in particular, because eligibility rules changed in a way that affects the plans this group buys most, and the change is easy to miss.

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